This Policy may also provide Options to the Base Covers if these are specified to be applicable in the Policy Schedule and/or the Certificate of Insurance subject to

(I) the terms, conditions, exclusions and limitations of the Options set out herein along with Optional Benefits (if any),

(II) receipt of premium, statements in the proposal and information disclosed to Us by You or on Your behalf and on behalf of all persons to be insured which is incorporated into the Policy and is the basis of it.

1.Age or Aged means age of the Insured person on last birthday as on date of commencement of the Policy.

2.Accident means sudden, unforeseen and involuntary event caused by external, visible and violent means.

3.Annual Renewal Date means the anniversary of the Inception Date each year or any other date which We and the Policyholder may agree in writing.

1. Duty of Disclosure

A. Claims Administration & Process

It shall be the condition precedent to admission of Our liability under this Policy that the terms and conditions of making the payment of premium in full and on time, insofar as they relate to anything to be done or complied with by You or any Insured Person, are fulfilled including complying with the following in relation to claims:

All the Waiting Periods shall be applicable individually for each Insured Person and claims shall be assessed accordingly.

A. Permanent Exclusions

 We shall not be liable to make any payment under this Policy directly or indirectly caused by, based on, arising out of, relating to or howsoever attributable to any of the following:

The Policy provides base coverage as described below in this section provided that the expenses are incurred on the written Medical Advice of a Medical Practitioner and are incurred on Medically Necessary Treatment of the Insured Person.